# STERLING BANK
HOUSTON, TX · FDIC certificate 21726 · asset band $1-10B · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.06B | |
| Deposits | $4.16B | |
| Loans and leases | $2.41B | |
| Total equity | $662.0M | |
| Loans / deposits | 56.06% (p11 of band) | 79.44% |
| Liquid assets / assets | 45.01% (p87 of band) | |
| Uninsured deposits / deposits | 45.37% (p95 of band) | 17.54% |
| Brokered deposits | 5.84% | |
| Wholesale funding | 8.05% (p43 of band) | |
| FHLB advances / assets | 0.79% | |
| Tier 1 leverage | 9.33% (p51 of band) | 9.28% |
| Unrealized securities loss / equity | 5.85% (p71 of band) | 2.76% |
| AOCI / equity | 1.74% (p70 of band) | |
| ROA (annualized) | -0.36% (p9 of band) | 0.72% |
| Net interest margin | 3.48% (p38 of band) | 3.67% |
| Efficiency ratio | 78.96% (p81 of band) | |
| Noncurrent loans | 6.52% (p85 of band) | 2.56% |
| Net charge-offs (annualized) | 0.75% (p69 of band) | |
| Reserve coverage of noncurrent | 49.61% | |
| Real estate % of loans | 78% | |
| Construction % of loans | 39.79% (p51 of band) | |
| Auto loans | $11.5M (0.48% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p41 of band) | |
| Deposits YoY | – | |
| Employees | 896 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | losing money |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-04-01 [Johnny Brooks is Mr. East Texas for 2026 - easttexasnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPUU5nR3paTkFUYWxyUzZHZHBtamRSbEpZSklZRnU1RmZTWjVzYnR1UEhuSVBjUXd2aHJRSXNfZXlHWFFtQnNWN0E1NE5NWXdfSGJHRGJPaDdRaXRlSnJ5MUZvcnVGUDc5Ymg3dUZuNHo0dDlpVXMzaGRhd1VFa1JUOFFVY1Vjc0wtQ05fSENLbURKVzJsRWQzb2JRM1V5Q0JFZGF2aUE5cWhMVzBMUTZ1TS12cWxmQjY5VFBOR3BpNElrTGs?oc=5) · easttexasnews.com
- 2026-01-16 [First Financial Bank Makes Promotions for Continued Succession Planning - ABF Journal](https://news.google.com/rss/articles/CBMioAFBVV95cUxNdUl2VmpwdkpsTGhQSWh2LUJmNW8xTGRLOTJBMnhRcUhzSWZWVzJKcVFMZENJV3pyZ2pOQ3B1OTZOa1NrNTlMaHlnRGpZc3R2aWhFbTNUbVhzSmFJMWZSZGRIeFZ2cWR6d2ZYRVVHTFA3R0tlM01ETXpKd1BZcVBqXzBjUGJ2eFBvTTZMbHMwYlM2T3c2eVNWSWhFVFZtNkpa?oc=5) · ABF Journal
- 2025-12-12 [SouthState led Florida banks in asset growth over the last year - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxPdXFkeUR0ZWhYc2VGdmNPMXZTaFJfaDFsNTUtNEpxczJrMUhzdFYxczFyWWw4a3dmazRWY3NoZWVZU0JTRkNocWJvYnh4dDVJN1lBTDFHQkhOOXpkVU1BVnJfbGNJSWtZejZULTJ5NlpDTld1ZEl5Z0dLNHNwUnNMRGZ1R1hqZWdRMElObkVwa0EtV1ZYN0ZEeE9ZbThfbjdPTl9rbg?oc=5) · The Business Journals
- 2025-10-08 [Raymond Teodoro Desola Obituary Oct 8, 2025 - Klein Funeral Homes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE1aMWdZNkhOamNhUEdXS1AyLWttOTZUaUFlVE1abEkyYlI0NTl5VEJWRHlCa3oxdFNhLWdJaDBQNVBnenpMNElzaHAxUmM1MG50ZGFrZTZ4UlRQNTV3c1E?oc=5) · Klein Funeral Homes
- 2025-04-01 [EverBank Financial Corp Completes Acquisition of Sterling Bank and Trust, F.S.B. - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxPamxGUmdlTlA0bWhEY2dtbXJobDhrNWdZaXgyVjhVZ2dBV0dYRGhLNFJHd2dhNURxT0cwM2ZLYkN0ZXE1ejV3VENkNEVIM2YyMGh5VGdnMDlxNXg4ZVNMOVBFSFdiMkRtemNoRW1IeVFreHhxUmlsNGRJZ0tkOGZLRWRPcDNrTkxZM2hLQjd1akhacWloWXVqMmhxMS1faUVGVjhBU3FsZEN4cmNpaW5jV291eVRKVVE0OTg3bFRvb1p4X2pxMktDTU5aVy0?oc=5) · PR Newswire
- 2025-03-17 [Fed OKs Renasant, EverBank acquisitions - Banking Dive](https://news.google.com/rss/articles/CBMiowFBVV95cUxPcE1mTmxsM0taak1Lc2RpN21nc1c5aTQyYnpSSUJtdzN1U0dfd2MzNXAzWVpDR0p1VzlwckQ4dkNlaVBDSW5xbDk5MzBzVlR1TE8xVE83OUFhMFRxMzNaNmp3RzZMd3QtYkx3SGttUTVRWERualN2NlY5MWpqalh2QTd1NnllWHo0TXJOMXRweVdrQUZ0bUhGVDhXeV82bmhNakRJ?oc=5) · Banking Dive
- 2018-02-06 [Rebirth: The de novo bank class of 2018 - American Banker](https://news.google.com/rss/articles/CBMihgFBVV95cUxNS05MbnJ5QVVITnotRHc0dnFHNWVjbm9fanRGdDRXVkdibVNPc1d4aHlUOXJMQzQwdWRkUmZ3MV9DV3lyLWJNYmI4UmlTQjU4NzB0bW1BYjFRdWZ0WTJiLWRYd3RJZkRkTTYyTm8yLWlmN21taGVJLXFhcWF5OTBoY3g5Ymg1Zw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=21726 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "21726", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide